@Anonymous wrote:If crossing 12 months for AAoA could potentially result in a different scorecard assignment, that could also result in a score change.
I agree it would be nice to hear some data on crossing things like 6 months and 1 year for AAoA. 2 years to me seems too high to be the first threshold crossed when considering most other FICO data has thresholds lower than that.
I feel like these data points are tougher to come by as those with very young files perhaps have not found a reason to find this forum yet.
The data analytics looks at variables both seperately and together; there's nothing that can be pulled from the correlation of any other age boundary unfortunately... and most negative thresholds are longer than that to be fair.
